Medivac

Overseas medical evacuation where the medical practitioner chosen by VanCare certifies the need for a treatment, which is not available locally. VanCare will evacuate the patient to a preferred hospital in Fiji. If treatment is not available in Fiji then VanCare will evacuate you to a preferred hospital in India and make all necessary arrangement including airfare, accommodation and meals. If an accompanying relative or medical attendant is necessary and approved by VanCare, we will also pay for the expenses.

Limitation:  VT2,000,000 per disablilty

Local Hospitalisation

Medical treatment expenses incurred as a bed patient in any Private/Government operated hospital in Vanuatu. If treatment is not available in any Private/Government Hospitals in Vanuatu, VanCare requires a letter of confirmation from the Ministry of Health/Private Medical Clinic to confirm that treatment recommended is not available and patient will be referred to the Private Hospital in Suva Fiji. In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Limitation:  VT300,000 per disability

Daycare treatment

Treatment at any private clinic if treatment is not available through Government hospitals. In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Who's covered?

• Policy holder and the legal spouse of the Insured, other than a legally separated spouse.
• An Insured’s unmarried or legally adopted child whose age ranges between fourteen (14) days and under nineteen (19) years and who is totally dependent on the Insured for support.
• An Insured’s unmarried child or legally adopted child over the age of nineteen (19) years and under the age of twenty two (22) years if attending full time college or university and who is totally dependent on the Applicant for support.

Terms & Conditions

• Maximum age limit is 65 years.
• Pre-existing conditions not covered.
• Maximum age of entry is 50 years and we cover till 65 years for all level of cover Bronze, Silver and Gold.
• Full medical examination is required by prespocts 45 years old or more.
• Pre-Existing and related conditions are not covered
• All other exclusions of the policy applies and can be found on our medical quotes.

Major Exclusions Under Hospitalisation Plan

• All Congenital conditions.
• Palliative Treatment.
• All conditions related to HIV.
• All conditions related to Sexually Transmitted Diseases.
• Any sickness or illness which occurs while traveling outside the Geographical Limits of Fiji.
• Pre-existing condition not covered for X-rays and blood tests.
• Prescriptions & pharmaceutical benefits for confirmed long term conditions including Asthma, Diabetes & Hypertension.